[pwd72s]

Perhaps something in Costa Mesa?

But really...have a good down payment, 20% minimum. Work 2 jobs if you must to reach that goal, but get a down payment saved. Goes without saying...fixed rate only.

Then I'd say buy lower than expectations. This will allow you to weather ups and downs of the general economy and your personal financial ups and downs.

Cindy & I did just that, several decades ago. The place has been paid off for 15 years, and is quite comfortable for the two of us. Just a cheap '70's ranch home of 2400 sq. feet, on 1.5 acres, which gives us privacy. I would like a game room, but don't want to put up with the hassles of adding one.

Anyway, don't stretch yourself to the max, payments wise. Stuff happens in life.

Timing wise? I'd give it another couple of years...saving up for that down payment in the meanwhile. The more you have down, the less interest you pay later.

Financial happiness is paying no interest, while others pay interest to you.